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Gfunk9

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About Gfunk9

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  1. OK SCM have asked for stay to be lifted and hearing on the 19th. Any advice? I am still hopefully on the fact that they cannot produce a staff credit card agreement just the application form which states incorrect interest rates as per the statements they have sent confirming this is would be a staff card. If im correct then any subsequent default notice or final demand would be irrelevant anyways as not legally binding agreement rendering the contract unenforceable.? Does anyone have any thoughts on this???????
  2. Can anyone tell how I find out if the action has been stayed as there has been no further correspondence or update on money claim on line and its now over 28 days???????????????
  3. Ok situation of play is help gratelly appreciated Recieved letter now from SCM stating in short. The claiment belives the agreement is enforcebale. Enclosed statements (which show PPI and confirm that the first statement ever recieved was on a staff interest rate and not appicable to the application which was signed stating differently) So no actrual staff credit agreement exisits???????????????????? The claiment does not hold a true copy of the default notice due to the large number of such notices produced but has enclosed a computer system record of the notice and formal dema
  4. Submitted my defence on 1st of October and recieved a letter today from SCM advising that they have been instructed by lloyds to obtain judgement against me. I should recieve a copy of the order shortly. They have also attached a standing order form for me to complete. Is this normal practice as no judgement has been made and defence was filed on time.???????????????????????? whats the next step? ANYONE HELP?
  5. thankyou that will help. Any ideas on the CCA side anyone in respect to the card being a staff credit card but applied for on a normal application as the terms would be different as well as the APR i would of thought meaning that even if they were to rely on the pplication it would be null and void. Im thinking this would be provable by any statement that was issued after application as the rates would be different. No CCA in place for staff agreement can someone comment on the staff agreement CCA question above? FOR ME OR PRESS RED BUTTON cant seem to download the toolbar at t
  6. Still no respones for CPR which was delivered on 17th Aug and need to submit a defence this week could any help. Im not to sure if I have the phone the court to advice or write to them that they have not responded.
  7. can someone comment on the staff agreement CCA question above? FOR ME OR PRESS RED BUTTON cant seem to download the toolbar at the moment. Thanks for your help so far. CPR sent last week has now been 7 days no response yet
  8. thankyou that will help. Any ideas on the CCA side anyone in respect to the card being a staff credit card but applied for on a normal application as the terms would be different as well as the APR i would of thought meaning that even if they were to rely on the pplication it would be null and void. Im thinking this would be provable by any statement that was issued after application as the rates would be different. No CCA in place for staff agreement
  9. thats was ment to say without amended terms or new agreement
  10. p.s PPI was ticked on application but cant remember if I noticed it had been done and cancelled it. Also was previously a VISA card and was changed to Mastercard with amended terms!!!!!!!!!!!!!!
  11. Sent CPR last week recieved by SCM on 17th but no reply. CCA letter sent last year and only recieved application form so sent non compliance and dispute letter yet they still added charges and intrerest and passed from DM to DM . Also the fact the application has staff on means it was a staff credit card and the normal interest rates would not of applied as discounted for staff so a seperate CCA surely would of been required??????? default not recieved but listed on my credit profile as 3 months later than claim form
  12. was looking for a little guidance if anyone has any!!!!!!!!!!!!!!!!!!
  13. Firstly the site has been very helpful and this is my first post in the hope I can defend this succesfully. Hi need some help I have recieved a claim form and have decided to defend and acknowledged with northampton. After numerous back and forths for CCA agreement I only ever recieved their application which for my own sins was a Staff member and their terms and conditions which related to a normal platinum card. I no longer work for them due to numerous reasons which I defended in a tribunal against their sales practices. I have attached the form they sent. If any idea if
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